ALEXANDRIA, Va., June 10 -- United States Patent no. 12,292,955, issued on May 6, was assigned to BREAD FINANCIAL PAYMENTS INC. (Columbus, Ohio).

"Digital pass with user verification" was invented by Christian Billman (Gahanna, Ohio), Jess Lawrence (Westerville, Ohio), Ryan Miller (Columbus, Ohio), Timothy D. Pontious (Gahanna, Ohio), Gabriel Rostorfer (Columbus, Ohio) and Manoj Ram Tammina (Columbus, Ohio).

According to the abstract* released by the U.S. Patent & Trademark Office: "A system and method for a digital pass with user verification is disclosed. The method receives a request for the digital pass to be generated for a user. The request includes identification (ID) information that is added to a database. An image is defined for...